Allow Ourselves to Introduce... Ourselves

Hello! We are Kyle and Megan, a young couple from the Cincinnati area. We have been dating for about a year now and have big dreams for our future. We are excited for what's to come,  but we also know that carrying around a bunch of debt will get in the way. With Kyle's mortgage and car payments, along with Megan's mountains of school loans and credit card debt, it was time to get serious about cutting back, saving up, and paying things off.

Here's where we get stuck.

We have done lots of research about how to go about paying things off. We have read others' blogs, checked tons of books out at the library, and listened to the advice of those who continue to live thriftier than we do. We know how it is supposed to go, we just don't know where to begin. We both have the tendency to get very excited about an idea, followed immediately by being overwhelmed, and finally, giving up altogether.

One night recently, Megan was stressing out about finances.  She had finished her taxes early (which is a miracle, given her procrastinating tendencies), however the program she was using was experiencing glitches and kept rejecting her return. She decided to give up for a couple days, defeated after the initial thrill of an upcoming windfall had worn off. She had been sick for the past week and was unable to go to work at her nanny position and therefore, missed that week's check. She decided to check her bank account only to discover that she had overdrawn after her recent doctor visit copay and gasoline purchase. She indulged in a brief breakdown, discussed the situation with Kyle, and together they decided to start a brand new financial journey.

Here is a list of what are goals are for this blog, and what we hope to learn:

1. By keeping a log of all of our efforts, we are held accountable to ourselves and our readers. 
2. We will be more likely to follow through, if only to have something to write about that day.
3. Writing things down serves as a reminder to us to keep us on track.
4. Hopefully we can get some good feedback from readers to learn tips from you about saving, spending, budgeting, etc.
5. By sharing our experiences, maybe we can help others find their way to financial freedom.
6. We will be working toward our goals-- Together.

We hope that you continue with us on this adventure and we encourage you to leave us comments and feedback-- We would love to hear your thoughts!